About us

Whether you’re a first home buyer or an existing home owner looking for a fresh start, HomeStart could help you get into your own home, sooner.
  • Here's the HomeStart difference:

  • We’re unique in the market

    We’re not a bank. Established in 1989, HomeStart is a State Government organisation that is 100% focused on providing home loans for South Australians. So while we’re a profitable financial organisation, we are also considerate of our social responsibilities. This means we’re always working on new ways to help more people get into their own home, sooner.
  • We want you to have a home loan that’s right for you

    We have a range of innovative loans that can reduce your upfront costs and increase your borrowing power. We’re happy if you want to switch to a bank or credit union after a few years with us. We just want to get you into your own home sooner, so you can enjoy all the benefits of home ownership!
  • We're here to help you

    Our reason for being is simple: to make home ownership a reality for more people in more ways. Based in South Australia, we have an experienced team who are understanding, friendly and committed to help you get in to your own home sooner.
  • Want to know more about what we do and why we do it?

  • Our aim

    Our reason for being is simple: making home ownership a reality for more people in more ways.

    Our aim is to build an organisation which gives customers the chance to become successful home owners, sooner

    How do we do this?

    • We develop ways to make buying a home achievable for more South Australians
    • We create home loans that get people started sooner and provide a base for sustainable, affordable home ownership
    • We encourage financial literacy through community engagement, including free home buyers seminars and sponsorships
    • We provide our customers with on-going care and focus on what they value from us, so their great start can extend into a great experience
    • We invest in our staff to maintain our culture of engagement and achievement, which translates into more productivity and more happy customers.
  • Our strategy

    The HomeStart Strategic Plan for 2018 - 2021 aims to maximise the number of customers we can assist.

    In doing so create a sustainable business that:

    • Meets current and future customer needs
    • Delivers the financial results and risk management outcomes necessary for our stakeholders
    • Is relevant for our customers, government and the wider community.

    Read more about HomeStart’s strategy

  • Our values

    Our values are how we approach our work, relationships and customers.


    We are focussed on creating positive outcomes for each other.

    • We know each individual can make a difference
    • We achieve our goals through working together 
    • We are energetic and passionate about what we do 
    • We recognise, reward and celebrate success. 


    We are focussed on simplifying the way we do business.

    • We consider and act on what is necessary
    • We focus on achieving operational excellence
    • We strive to be clear and understood in all that we do
    • We are able to challenge the status quo.


    We are honest and genuine with each other.

    • We take personal responsibility for our behaviours and actions
    • We consistently act professionally and ethically
    • We treat our colleagues and customers with respect by doing what we say we will
    • We embrace our reason for being because we care.

    Corporate Social Responsibility

    Corporate social responsibility refers to the responsibility of organisations to ‘Make a Difference’ and contribute to the sustainable development of society as a whole. This involves operating in a socially responsible way that creates shared value for both the business and society.

    Our aim

    In HomeStart’s context, our aim is to have a positive and sustainable impact on our customers, our people, the community and on the environment. We believe this leads to a sustainable business that creates value for our shareholder, the government of South Australia, and in turn value for future generations of home buyers. This is the essence of our social responsibility.

    Our approach

    The principles that frame our approach to corporate social responsibility, and which align with our purpose, vision and values, are:

    Within this framework, we focus on three priorities:


Discover how HomeStart can help you get into your own home sooner.

* Terms, conditions, eligibility criteria, fees and charges apply.

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Level 5, 169 Pirie St, Adelaide SA 5000